| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | 25B HANOVER RAOD FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 5.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 4.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M T INSURANCE AGENCY INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.93% |
| DONALD C SAVOY INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $131 | $5K | 12.20% |
| DONALD C SAVOY INC3 | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $614 | — | $614 | 1.57% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 196 | $132K |
| Vision | HORIZON INSURANCE COMPANY | 187 | $16K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 236 | $88K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $39K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $626K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 236 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.